https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501939#M475689 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>&nbsp;</P><P><FONT color="#ff0000">I'd be careful of recording w/o knowledge...I know many ppl SAY that but we all live under 50 different state laws.</FONT></P><P>That all operate prison systems independant of one another, as well as what consitutes state wiretapping violations.</P><P>&nbsp;</P><P>Not that some states will or won't press the issue...</P><P>&nbsp;</P><P>Why not email the terms for 'clarity' thus creating a written trail of what the agreement is ...even text and SM can be argued</P><P>as a written meeting of the minds and it can be argued that correspondence from company email is as good or even better</P><P>than company letterhead...it's hard to play the 'which rep said that.....who TOLD you that' when you've an email from</P><P>&nbsp;</P><P>JSmith at jsmith@creditorcompany.com</P><P>&nbsp;</P><P>When 'they' say a letter is coming ...that's fine can you simply hit REPLY to the email I just sent to your email just 'outlining'</P><P>just 2 things</P><P>a) I'm paying X amount and</P><P>b) You guys will delete the account once said amount is received</P><P>Those two things are CLEAR correct?</P><P>&nbsp;</P><P>No recording needed ...got written correspondence (in today's world email is a mother ...ask Mrs.Clinton <img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P><P>&nbsp;</P><P>*PFD's are always a crapshoot IMO (because techically the entire process is a total LIE....no different than a criminal asking to pay</P><P>to delete a crime he/she committed from being 'reported' ...so now the 5 time DUI guy looks 'clean' when really he isn't or the wife beater</P><P>looks like a choir boy on the background check) but hey it's a tool available so where there is a system to manipulate, manipulation will reign, no biggie.</P><HR /></BLOCKQUOTE><P>When you call a BUSINESS like a CA you will ALWAYS hear a "this call may be monitored.. blah blah". That is notification that the call is being recorded. <FONT color="#FF0000">One party cannot record a call, while denying the other party permission to record</FONT>. That statement <FONT size="3"><STRONG>gives you the legal right</STRONG></FONT> to record the call&nbsp;yourself even in two party notification states.</P><HR /></BLOCKQUOTE><P>1) That's a legal determination and I'm not quite sure the courts have made that a clear cut determination....most things in the law</P><P>are fluid when it comes to how the judge in YOUR case sees it.</P><P>Ex: Just because the cops can record YOU ...does automatically give you the <STRONG>LEGAL RIGHT</STRONG> to record said officer....this is still a argument here in Ca.</P><P>&nbsp;</P><P>My point is it has NOT been decided as a a legal right, by our Supreme Court (which would trump your state's interpretation of THEIR own laws) I'm not</P><P>trying to be a ninny here but to go so far as to proclaim a 'legal right' is a bit much.</P><P>&nbsp;</P><P>2) As far as us non lawyers know the 2nd party may also have to announce and give notice of a recording...again I DON'T KNOW and I'm not a lawyer and even if I practiced in Ca. I wouldn't for sure know what the crap West Virgina law was or Iowa....</P><P>&nbsp;</P><P>Besides notifying that a call 'may' be used for 'training' purposes is different than legitimizing as<STRONG> legal evidence in a court case</STRONG> the court is under no obligation to allow&nbsp;</P><P>a recording recorded against the state's standard as evidence to the legal binding contract....yes among 'us' on the street it may be a 'tool' to say c'mon you know you said whatever but once we invloved the courts things change and it gets 'real'.</P><P>&nbsp;</P><P>&nbsp;</P><P>Again, it probably won't get anybody locked up and it may provide 'social pressure' to get a CA to do the 'right thing' as agreed but the soapbox of using a 'possibly' illegal recording might not be as powerful as one thinks, in EVERY state in this great union......unless there has been some FEDERAL LAW passed that I'm not aware of?</P><P>&nbsp;</P><P>* Speaking of ' legal determination' and the interpretation of said party's legal obligation...it could <STRONG>easily</STRONG> be argued that the entire process of PFD is the lender breaking his agreement with the CRA to report truthful information...by accepting a payment to LIE about what happen, which is de facto what's happenig by deleting a transaction or account as if it didn't happen when it in fact did...could be seen as breaking the terms of 'that' agreement.....</P><P>&nbsp;</P><P>Lenders pay the CRA's for accurate background info of potential borrowers the PFD process by it's very nature is about breaking a legal agreement to report the truth...</P><P>Ionly bring it up to say laws and how they are pressed or not pressed are fluid...this iswhy you'll here some vendors say 'we can't do a PFD' not because it's 'literally' against the law but it is against the 'spirit' of the agreement they sign up for ( I'm not advocating FOR them...just pointing out a quirk in how 'we' feel about stuff being 'so legal' and to the letter....yeah only when it'sworks towards our wishes)</P> Thu, 17 Mar 2016 20:12:24 GMT Anonymous 2016-03-17T20:12:24Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500888#M475539 Hi, thanks for any replies in advance.../spoke to mercantile and they are agreeing to delete account of paid in full, they won't not send any verif or agreement until I pay it...they say they will send me a fax once I send the payment...should I trust them? Thanks!!! They want me to call back in 10 mins, nerve wrecking ugh lol Thu, 17 Mar 2016 00:19:22 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500888#M475539 Anonymous 2016-03-17T00:19:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500900#M475547 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />Hi, thanks for any replies in advance.../spoke to mercantile and they are agreeing to delete account of paid in full, they won't not send any verif or agreement until I pay it...they say they will send me a fax once I send the payment...should I trust them? Thanks!!! They want me to call back in 10 mins, nerve wrecking ugh lol<HR /></BLOCKQUOTE><P>I say go for it.</P> Thu, 17 Mar 2016 00:31:39 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500900#M475547 Anonymous 2016-03-17T00:31:39Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500928#M475553 I was advised not to pay for PFD until you get it in writing. Thu, 17 Mar 2016 00:54:55 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500928#M475553 Anonymous 2016-03-17T00:54:55Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500945#M475554 That's what I was thinking, I really don't know what to do... Thu, 17 Mar 2016 01:12:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500945#M475554 Anonymous 2016-03-17T01:12:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500947#M475555 I haven't even called back because I really don't know what to do 😩 Thu, 17 Mar 2016 01:13:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500947#M475555 Anonymous 2016-03-17T01:13:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500963#M475556 Flip a coin and while its in the air you will know which way you want it to land. Don't even need to look at the result. Thu, 17 Mar 2016 01:25:19 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500963#M475556 Chris679 2016-03-17T01:25:19Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500967#M475557 Lol....ugh! I know they're going to play me😔 Thu, 17 Mar 2016 01:28:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500967#M475557 Anonymous 2016-03-17T01:28:05Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500970#M475558 <P>flip a coin, record the call, pay it. (google dialer app)</P> Thu, 17 Mar 2016 01:30:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500970#M475558 elim 2016-03-17T01:30:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500974#M475560 If I have a a record of the call would that make them liable for deleting the account even if they don't want to Thu, 17 Mar 2016 01:33:19 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500974#M475560 Anonymous 2016-03-17T01:33:19Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500979#M475561 I can only share my experience and I can't say yours will be the same but I've recently done this within the last 4 months and each of the collection agencies that told me they would give me a letter did give me a letter. The letter was never available immediately but it didn't seem to take very long. At least if it's paid you can try to dispute it by stating. #1 the account is settled in full #2 the company agreed to delete it from your report. Good luck. Thu, 17 Mar 2016 01:38:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500979#M475561 Anonymous 2016-03-17T01:38:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500983#M475562 Thanks for sharing this with me! I really need this off my report I think I'm just going to take the risk...really scary though lol, I know they sometimes are hard to handle with Thu, 17 Mar 2016 01:41:03 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500983#M475562 Anonymous 2016-03-17T01:41:03Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500987#M475563 Go for it...if they don't do it make their life miserable by filing complaints with the BBB, and CFPB. A verbal agreement is a contract. Thu, 17 Mar 2016 01:42:30 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500987#M475563 Anonymous 2016-03-17T01:42:30Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500990#M475564 Ok, even if under their rules they don't have to delete if they don't want to?! I'm sorry for along so much? Just nervous lol Thu, 17 Mar 2016 01:46:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500990#M475564 Anonymous 2016-03-17T01:46:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500991#M475565 And I meant asking, my auto correct is acting up today Thu, 17 Mar 2016 01:46:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4500991#M475565 Anonymous 2016-03-17T01:46:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501002#M475569 If it were me, I would do it. And I have been in your very position and have done it. It's your choice, do what you think is right for you. Thu, 17 Mar 2016 01:58:53 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501002#M475569 Anonymous 2016-03-17T01:58:53Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501020#M475571 Thank you! I just called and they're now closed, will call tomorrow! Wish me good luck! Thanks for all your help! Thu, 17 Mar 2016 02:09:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501020#M475571 Anonymous 2016-03-17T02:09:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501045#M475579 Good luck and anytime. Thu, 17 Mar 2016 02:30:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501045#M475579 Anonymous 2016-03-17T02:30:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501240#M475596 <P>Hope it worked out. However, I would NOT pay until they provided a conditional letter stating terms.</P> Thu, 17 Mar 2016 05:11:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501240#M475596 Anonymous 2016-03-17T05:11:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501251#M475599 I didn't call, I got scared and didn't, but was thinking of calling tomorrow and try to negotiate, have you have any bad experiences? Thu, 17 Mar 2016 05:20:17 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501251#M475599 Anonymous 2016-03-17T05:20:17Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501252#M475600 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />That's what I was thinking, I really don't know what to do...<HR /></BLOCKQUOTE><P>RECORD THE CALL. Verbal agreements are fully binding under the law. You do NOT need to get it in writing.</P> Thu, 17 Mar 2016 05:20:21 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-please-Need-a-reply-within-10-mins/m-p/4501252#M475600 Anonymous 2016-03-17T05:20:21Z